Call reports 2010
HERITAGE STATE BANK — 2010
What HERITAGE STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 92,249,000 | 89,013,000 | 83,613,000 | 74,962,000 |
| Total loans | 64,671,000 | 65,365,000 | 60,703,000 | 61,864,000 |
| Allowance for loan losses | 1,301,000 | 1,301,000 | 1,301,000 | 1,208,000 |
| Securities available for sale | 13,946,000 | 9,032,000 | 8,420,000 | 8,216,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,538,000 | 81,594,000 | 76,455,000 | 68,464,000 |
| Interest-bearing deposits | 74,741,000 | 72,732,000 | 67,744,000 | 60,793,000 |
| Noninterest-bearing deposits | 9,797,000 | 8,862,000 | 8,711,000 | 7,671,000 |
| Equity capital | 7,438,000 | 7,150,000 | 6,932,000 | 6,292,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,363,000 | 2,687,000 | 3,982,000 | 5,207,000 |
| Interest expense | 352,000 | 691,000 | 932,000 | 1,079,000 |
| Net interest income | 1,011,000 | 1,996,000 | 3,050,000 | 4,128,000 |
| Noninterest income | 51,000 | 89,000 | 115,000 | 149,000 |
| Noninterest expense | 485,000 | 987,000 | 1,493,000 | 2,221,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 527,000 | 1,131,000 | 1,797,000 | 2,184,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 527,000 | 1,131,000 | 1,797,000 | 2,184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,400,000 | 7,131,000 | 6,975,000 | 6,380,000 |
| Total capital | 8,292,000 | 8,025,000 | 7,814,000 | 7,209,000 |
| Risk-weighted assets | 70,912,000 | 71,124,000 | 66,653,000 | 65,963,000 |
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